(Minimum loan amount requirement applies)

Year 1: 3M SORA + 1.00%

Year 2: 3M SORA + 1.00%

Thereafter: 3M SORA + 1.00%

Subsidies for refinancing ONLY:

– Legal subsidy 0.4% of loan amount, capped at $1,800

– Full valuation subsidy

– Free fire insurance for first year

– Clawback period is 2 years for all the above subsidies